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Looking for App to Start a Card Program?

Build from scratch and accelerate your existing card offerings with our white-label platform. Create a unique personalized customer experience to meet the needs of the most demanding clients.

Modular software and apps to start card programs

Launch card programs with Velmie's modern, fast, secure technology: deploy customizable corporate and consumer card offerings in weeks, seamlessly start new features, and enjoy smooth integrations with partners.

Tailor-made and scalable solutions for your success

Experience future-proof flexibility and scalability, locally and globally, across multiple currencies and regions, all without the burden of scaling costs. Seamlessly implement new features, workflows and integrations to fit your unique needs.

Unique customer-centricity

Drive customer engagement, loyalty, and conversion rates through the exceptionally user-friendly interface, personalized services and seamless interactions.

Security and compliance 

You are in safe hands with our award-winning security and compliance. Our full-fledged solution offers biometric authentication, data encryption, RBAC, audit trail, and more. SOC 2 Type 2, GDPR, and PCI DSS compliant to safeguard customer data and meet industry standards.

The control you want

Choose the card experience and the level of management that’s right for you and right for your customers through card management APIs, advanced spend controls, card program insights and more.

Launching a Card Program:
a Step-by-Step Guide

See the webinar record to explore how to build

an exceptional payment experience with Velmie 

white-label platform and partner ecosystem.

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Velmie simplifies the management of card programs by providing a REST API and a banking back-office solution. This streamlined approach minimizes the need for development, allowing you to focus on the marketing and success of your card program.

Fast time-to-market

Velmie offers seamless integrations with payment companies, card issuers, and banks to ensure that our platform is fully interoperable with the existing infrastructure of our clients. In addition, our open API allows for custom integrations with clients’ preferred partners, providing maximum flexibility to instantly issue and process card payments.

Physical cards

Issue physical cards with one or many Velmie’s card-issuing partners. Take full control over card delivery, transactions, and limits using our intuitive back office system.

White-Label Apps

Fast-track your time-to-market Velmie’s readymade and branded iOS, Android, and web applications.

Virtual cards

Instantly issue virtual cards for new or existing accounts: safely shop online with virtual cards that are available for immediate use, offering security and peace of mind.

Prepaid cards

Effortlessly launch your card program and explore ideas risk-free: Velmie and our partners provide a turnkey solution for fintech startups, enabling seamless prepaid card integration and allowing you to prioritize your business and customers.

Our solution is the best choice for


In today's competitive landscape, neobanks must stay at the forefront to attract and retain customers. By offering payment card programs, they can enhance their value proposition and increase customer engagement, ultimately driving wallet share growth. With Velmie's platform, neobanks can easily integrate payment card programs into their offerings and stay ahead of the competition.

Card issuing companies

Accelerate the launch of your corporate and consumer card programs within weeks. Seamlessly combine various services and effortlessly connect new features to create tailored card offerings that meet your unique requirement.

Loyalty and rewards programs

Fintechs can leverage customer payment data to develop tailored services that meet the unique needs of their users. By issuing loyalty cards, whether physical or virtual, innovative businesses can increase customer engagement while refining their offerings. Velmie's platform provides the tools they need to create loyalty and rewards programs that drive customer allegiance and retention.

Corporate expense management

Fintechs that simplify B2B expense management must provide their customers with a smooth, hassle-free experience. Flexible payment card offerings enable them to streamline business spending and offer value-added features such as detailed reporting and fraud monitoring, enhancing their value proposition. Velmie's platform empowers fintechs to simplify B2B expense management, allowing them to provide a seamless and efficient experience to their customers.

"We like that Velmie’s platform is an all-in-one solution with the ability to be customized and scale. For us, it is as powerful and simple as achieving a new line of business, thanks to the final product developed by Velmie. Basically, we are opening a new functionality that will cross sell in an excellent way with our current product."

Alejandro González,


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Case study: 
Neobank platform for EU communities

Digital bank featuring card issuing, day-to-day payments and international remittance.

Despite the dynamic development of financial technology, some people still can’t get full access to the financial ecosystem in Europe. The mission of Walddo is to take advantage of the disruptive fintech effect targeting EU communities and introduce a mobile banking solution. The platform has been built with the digital banking technology by Velmie that brings scalable architecture, configurable back office workflows, and an API ecosystem with direct access to the market-leading payment, KYC, and other service providers. It’s a cutting-edge digital banking platform that offers users a full range of services, including account opening, virtual and physical card issuing, domestic and international transfers, eCommerce payments, and digital wallets. Plus, it offers MasterCard Send functionality, providing clients with lightning-fast payment options.

More than 100 financial institutions around the globe already building their banking products with us.

Reach out today to get your technological advantage

Explore the key platform features

Velmie simplifies the management of card programs by providing a REST API and a suite of back-end administration tools. This streamlined approach minimizes the need for development, allowing you to focus on the marketing and success of your card program.


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Order new card

Velmie offers instant plastic card ordering and real-time virtual card generation with one of the integrated partners. With our platform, you can ensure that your customers have the right payment options available to them at all times.

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Manage card limits

By enabling cardholders to set their own limits, such as limiting usage in foreign countries or blocking payments or withdrawals above a certain amount, you can boost their confidence and encourage increased card usage.

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Digital wallets

Velmie's platform enables you to enhance your customers' payment experience by integrating popular digital wallets like Apple Pay, Google Pay, and Samsung Pay.

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Card blocking

Velmie's platform provides features to instantly block, unblock, or cancel cards as needed with just a few clicks to ensure the security of payment card programs.

Client portal and apps

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Velmie's platform enables full customization of the card program with the company's branding, including the card design, mobile applications, and client web portals.

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Instant onboarding

Smooth onboarding and digital KYC procedures with configurable account limits and types.

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Keep clients engaged and provide tools for instant communication with the help of embedded notifications and messaging systems.

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Real-time transaction reporting

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Velmie's platform allows accessing payment card transactions in real-time and generating detailed reports on both card and account transactions. That provides valuable insights into spending patterns and helps make data-driven decisions to optimize card programs.

Users and accounts

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Velmie's platform offers RBAC tools and configurable admin roles that can be tailored to fit your organizational structure and processes, providing greater control and flexibility over the payment card program.

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User groups

Velmie's card solution features advanced client segmentation and personalization capabilities that enable the creation of targeted groups and tailor the card program to the specific needs and preferences of each segment.


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Self-hosted software platform

Velmie's software can be deployed either in the cloud or on-premises, giving you full control over your data, compliance, and intellectual property.

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Card as a service

The platform is user-friendly and doesn't require any investment in IT infrastructure, while still providing 24/7 SLA support, allowing you to focus on your business needs.

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Frequently asked questions

Velmie offers a ready-to-launch card management mobile app for your customers. Enjoy simple, quick, and easy control over cards, real-time transactions, and built-in safety. With Velmie's maintenance, you can avoid the costs and challenges of building your own app while ensuring it remains up-to-date and secure.

  • What are the main benefits of the Velmie platform for card programs?
    The platform is highly flexible, allowing for customizations, innovations, and extensions. It offers integration possibilities with an API middleware layer, allowing businesses to extend the solution with more API connections and use local vendors.
  • How long does it take to go live with Velmie Card Issuing Software?
    With Velmie's end-to-end product delivery service, the process of going live with the card program is made quick and easy, typically taking only a matter of 4 weeks. This eliminates the need for businesses to allocate resources for building front-end apps and API integration, allowing them to focus on delivering the best possible experience to their customers.
  • How does Velmie Software benefit my business?
  1. Velmie offers a comprehensive solution for businesses looking to launch various card programs. You can get the following benefits out of our solution: 

  2. Rapid go-to-market and cost minimization. Finding and allocating the resources for building front-end apps and doing API integration often becomes a project roadblock. The advantage of a white-label app is that it saves money for starting a card program. No resources are required from the customer to either build or keep the solution up-to-date and secure.

  3. Ability to scale to new markets. Building on the platform with microservices infrastructure the solution can scale with your business and payment volumes grow. It’s easy to localize it and launch it for new regional markets.

  4. Increase conversion rate. As the solution has advanced card management and high scalability, it’s easy to test and implement updates in your card product offering to increase the loyalty of existing customers and attract new ones. 

  5. Enhance value proposition. Offering customizable front-end technology and API middleware made it possible to add more cutting-edge features and introduce new functionalities to existing and new card programs.

  • Is it possible to customize the card design using your platform?
    Velmie Card Issuing Platform allows you to fully customize the look and feel of the cards, making it easy to differentiate your brand and create a unique customer experience.

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